發(fā)布時間：2018-02-20 02:38

  本文關鍵詞： 互聯網金融 P2C項目 風險管理　出處：《吉林大學》2015年碩士論文　論文類型：學位論文

【摘要】：隨著技術的發(fā)展和融資形式的改變，互聯網金融成為了人們理財的一種新形勢并呈現出了火熱的發(fā)展勢頭�；ヂ摼W借貸平臺已經成為了人們理財和借貸的主要途徑，并隨著使用人群和規(guī)模的擴大而不斷衍生出新的借貸模式。當下，最為流行的互聯網金融模式便是P2P模式，這一模式實現了人們在線上直接借貸避免了傳統金融的繁瑣程序。但是，隨著P2P模式的快速發(fā)展，在信心不對稱的背景下，P2P模式出現了大量的問題甚至包括運營者“跑路”的現象。也因此，P2C成為了人們看好的新的互聯網借貸平臺經營模式。P2C作為互聯網借貸平臺最新的一種經營模式，是借款人以企業(yè)為主，對債權轉讓企業(yè)通過資質審核出具有投資價值的優(yōu)質債權項目在平臺上提供給投資者的新模式。隨著通過互聯網金融理財的人不斷增加，，互聯網金融項目激增。大部分的互聯網平臺和項目由于跟人借貸存在較大的不確定性，風險相對較高并不能滿足投資人保證安全的基礎上獲得更多收益的期望。網絡借貸平臺又演進出了新的借貸模式即P2C模式。雖然，在眾多互聯網金融融資模式中P2C仍屬于融資平臺較少接觸的借貸模式其覆蓋的廣度遠不如P2P但是這一模式較好的滿足了個人擁有的閑散資金進行投資的便利和中小企業(yè)對資金的大量需求。這一模式在得到快速的發(fā)展的同時也曝露出了一些列存在的風險。因此，有必要通過P2C的發(fā)展對其風險進行分析并制定合理的風險評估和政策建議。 本文通過對借貸理論的相關分析以及P2C概念的理解，以中均集團P2C項目為例對中均集團的P2C項目、與傳統信貸的優(yōu)勢以及風險評估進行了分析。通過對中均集團現有的風險評估方法的介紹對在P2C項目中APH和DFC方法的引入使中均集團P2C項目網絡平臺的風險評估方法得以改進。根據中均集團面對的風險對中均風險評估方法進行了概述并結合國內外最新的風險評估方法利用AHP分析法和DCF方法對中均集團風險評估方法進行了改進并有效的增強了中均集團風險控制能力。最后，通過中均集團風險控制與評估的經驗對我國P2C風險控制提供了政策建議。
[Abstract]:With the development of technology and the change of financing form, Internet finance has become a new situation of people's financial management and has shown a hot development momentum. Internet lending platform has become the main way for people to finance and borrow. And with the expansion of the population and scale of use, new lending models have been spawned. At present, the most popular Internet finance model is the P2P model. This model enables people to borrow directly online to avoid the red tape of traditional finance. However, with the rapid development of P2P model, Under the background of asymmetric confidence, there are a lot of problems in P2P model, even the phenomenon of "running away" by operators. As a result, P2C has become a promising new business model for Internet lending platform. P2C is used as an Internet loan flat. Taiwan's latest business model, It is a new model that the borrowers are mainly enterprises, and the enterprises that transfer the creditor's rights have checked out the quality creditor's rights projects with investment value through the qualification to offer to the investors on the platform. As the number of people managing financial affairs through the Internet has been increasing, Internet finance projects have proliferated. Most Internet platforms and projects have greater uncertainty about borrowing from people. The relatively high risk does not meet the expectations of investors to earn more revenue on a safe basis. The online lending platform has evolved a new lending model, P2C. P2C is still a lending model that is less accessible to financing platforms than P2P, but this model is a better way to satisfy the ease of investment of private idle funds. The large demand for capital from small businesses. This model has developed rapidly and exposed a number of risks. Therefore, It is necessary to analyze the risk and make reasonable risk assessment and policy recommendations through the development of P2C. Based on the relevant analysis of lending theory and the understanding of P2C concept, this paper takes the P2C project of Zhongjun Group as an example to analyze the P2C project of Zhongjun Group. This paper analyzes the advantages of traditional credit and risk assessment. Through the introduction of APH and DFC in P2C project, the risk assessment of P2C project network platform is made by introducing the existing risk assessment methods of Zhongjun Group. The method is improved. According to the risk average risk assessment method faced by Zhongmean Group, this paper summarizes the risk assessment method and combines the latest risk assessment methods at home and abroad, using AHP analysis and DCF method to carry out the risk assessment method of Zhongmean Group. Improved and effectively enhanced the risk control ability of Zhongjun Group. Finally, Through the experience of risk control and evaluation in Zhongjun Group, some policy suggestions are provided for P2C risk control in China.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832.39;F272.3

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本文編號：1518566